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Accounting · head to head

Fortnox vs Qonto

Fortnox logo

Fortnox

Accounting

Swedish cloud accounting and business platform for bookkeeping, invoicing and payroll

From
Free
Rated
-
Full reviewWebsite
Qonto logo

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From
€9/month
Rated
-
Full reviewWebsite

The short version

  • Only Fortnox has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fortnox corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK); Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Fortnox and Qonto actually diverge.

Attributes where Fortnox and Qonto differ
AttributeFortnoxQonto
Starting priceFree€9/month
Free tierYesNo

Identical on both: pricing model (subscription), platforms (Web), user rating (Not yet rated), category (Accounting).

What people use each for

The jobs each tool is most often brought in to do.

Fortnox

  • Registering Swedish corporations with guided formation assistancenot Qonto
  • Selling unpaid invoices to improve cash flownot Qonto
  • Managing multiple client businesses from bureau dashboardnot Qonto
  • Integrating payroll with Swedish banking automationnot Qonto

Qonto

  • Business bankingnot Fortnox
  • Team paymentsnot Fortnox
  • Cash flow managementnot Fortnox
  • Multi-currency transfersnot Fortnox
  • Freelancer paymentsnot Fortnox

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fortnox

  • Corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • The Fortnox Access verification tier is priced by transaction volume, rising from 9 kr/man at zero verifications to 199 kr/man at 1000+ verifications (SEK), so cost is not fixed and scales with usage

Qonto

  • Pricing in EUR only, not USD
  • Basic tier limited to 30 transfers per month
  • Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
  • Business tier minimum commitment for small team accounts
  • Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

Pricing, plan by plan

Fortnox

Free
  • New Company TrialFree
    • 6-month free trial for newly started businesses

Qonto

€9/month
  • Basic (Self-Employed)$9/month
    • 30 transfers
    • 1 physical + 2 virtual cards
    • Account remuneration 5% for 2 months
  • Smart (Self-Employed)$19/month
    • 100 transfers
    • 2 physical + 50 virtual cards
    • Account remuneration
  • Premium (Self-Employed)$39/month
    • 200 transfers
    • 2 physical + 50 virtual + 50 Instant cards
  • Essential (Business)$49/month
    • 250 transfers
    • 5 physical + 50 virtual cards
    • Multiple sub-accounts

Which should you pick?

Choose Fortnox if

  • You want to start without paying.
Fortnox review

Choose Qonto if

Nothing in the data separates Qonto from Fortnox on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Fortnox or Qonto better?
Neither clearly leads. Fortnox starts at Free and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fortnox or Qonto?
Fortnox has a free tier; the other does not. Paid plans start at Free for Fortnox and €9/month for Qonto.
Does Fortnox or Qonto run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Fortnox for free?
Yes. Fortnox has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Fortnox best used for?
Fortnox is most often used for registering swedish corporations with guided formation assistance, selling unpaid invoices to improve cash flow, managing multiple client businesses from bureau dashboard, integrating payroll with swedish banking automation. Of those, registering swedish corporations with guided formation assistance and selling unpaid invoices to improve cash flow are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Fortnox: Does Fortnox offer a free trial?

Yes, newly started businesses receive their first six months in Fortnox at no cost, followed by subscription-based pricing.

Source
Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

Source
Fortnox: What pricing tiers does Fortnox offer?

Fortnox offers tiered subscription packages that vary by module (accounting, invoicing, payroll) but specific pricing details are not listed on the main website.

Source
Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

Source
Fortnox: How can I find Fortnox pricing information?

Detailed pricing is available on the packages page (/paket), through a purchasing guide tool at buy-guide.fortnox.se, or by contacting sales representatives directly.

Source
Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

Source
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